Which credit cards a household should carry, simulated over 5 years on weekly-verified terms.
Connect Remote server
claude mcp add --transport http if-the-card-fits https://ifthecardfits.com/mcp
{
"mcpServers": {
"if-the-card-fits": {
"url": "https://ifthecardfits.com/mcp"
}
}
}
{
"servers": {
"if-the-card-fits": {
"type": "http",
"url": "https://ifthecardfits.com/mcp"
}
}
}
Settings > Connectors > Add custom connector
URL: https://ifthecardfits.com/mcp
Tools 4 found in our last check
spending_categoriesThe 19 categories this API scores spending against. Call this first and map the person's statement onto these ids before calling simulate_cards.
simulate_cardsGiven a year of spending by category, returns the three best credit cards and the best two-card combination, with what each is worth after its annual fee over the chosen horizon. Figures come from a model checked to the cent against an independent reference calculator, against c…
keep_or_cancelFor cards the person already carries, says whether each one still earns its annual fee back on their spending, and what to move to if not. Pass the cards as `held`. Returns a verdict and a rounded yearly margin.
compare_twoTwo named cards head to head on the person's own spending: which one pays more, and by how much a year. Use this when they are choosing between two specific cards. For 'what should I get', use simulate_cards instead.
Details
| Endpoint | https://ifthecardfits.com/mcp (Streamable HTTP) |
| First published | 27 Oct 2026 |
| Last updated | 27 Oct 2026 |
| Registry name | io.github.sjgiewont/if-the-card-fits |
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